Mortgage Operations & Secondary Market Officer at On Tap Credit Union – Golden, Colorado

Mortgage Operations & Secondary Market Officer

On Tap Credit Union | Hybrid | Reports to SVP of Lending

Build Strategy. Drive Profitability. Lead Growth.

At On Tap Credit Union, we’re building something bigger—and mortgage is a key driver of that growth. We’re looking for a strategic, analytical, and forward-thinking leader to own our mortgage line of business from pricing strategy to secondary market execution.

As our Mortgage Operations & Secondary Market Officer, you’ll lead the development and execution of mortgage strategy, optimize pricing models, and drive capital markets performance—all while enhancing the member experience and supporting our long-term growth goals.

What You’ll Do

Lead Mortgage Strategy

• Develop and execute the mortgage line of business strategy aligned with our growth goals
• Serve as a trusted advisor to executive leadership on market trends, pricing, and competitive positioning
• Present insights on mortgage performance, pricing, and portfolio strategy

Own Pricing Strategy & Governance

• Design and refine mortgage pricing models to balance growth, margin, and risk
• Monitor market conditions, competitor pricing, and rate movement
• Establish pricing governance, including exception tracking and performance monitoring
• Partner with Finance/ALM to align pricing with cost of funds and balance sheet strategy

Drive Secondary Market & Capital Markets Execution

• Oversee loan sales, investor relationships, and delivery execution
• Optimize gain-on-sale and manage interest rate and pipeline risk
• Evaluate investor performance and adjust execution strategies accordingly

Lead Product Development & Innovation

• Develop and manage mortgage products across portfolio and secondary market channels
• Identify opportunities for new offerings or enhancements to drive growth
• Ensure products remain competitive, compliant, and aligned with member needs

Deliver Data-Driven Performance

• Analyze production, margins, pull-through, and profitability
• Build dashboards and KPIs to track performance
• Provide actionable insights to improve volume, efficiency, and earnings

Collaborate Across the Organization

• Partner with Lending, Retail, eBranch, and Marketing to drive production
• Work closely with Risk and Compliance to ensure regulatory adherence
• Collaborate with Operations to improve scalability and efficiency

What Makes You a Great Fit

• Strategic thinker with strong financial and business acumen
• Deep expertise in mortgage pricing, capital markets, and secondary market execution
• Advanced analytical and modeling skills
• Strong communicator with experience presenting to executive leadership
• Ability to influence and collaborate across all levels of the organization
• Results-driven leader focused on growth, profitability, and member experience

Qualifications

• Bachelor’s degree in Finance, Business, Economics, or related field (MBA preferred)
• 8–12+ years of progressive experience in mortgage banking, capital markets, or pricing strategy
• Proven experience in mortgage pricing, financial modeling, and secondary market execution
• Strong understanding of interest rate risk, gain-on-sale, and pipeline management
• Experience presenting to executive leadership and/or Board of Directors

Why On Tap Credit Union?

Our culture is built on our K.E.G. of Excellence:

• Kind – We lead with empathy and integrity
• Engaged – We collaborate, grow, and take ownership
• Genuine – We are authentic, honest, and humble

We’re a team that values innovation, accountability, and making a real impact—for our members and each other.

Compensation & Benefits

• Salary Range: $80,000 – $95,000 annually
• Bonus: Eligible for performance-based incentive tied to scorecard metrics
• Comprehensive benefits package including medical, dental, vision, retirement, and paid time off – to name a few.

Ready to Lead What’s Next?

If you’re ready to shape mortgage strategy, influence financial performance, and help drive our next phase of growth—we want to hear from you.

Apply today and be part of something exceptional.